HDFC Credit Card Limit

An HDFC credit card allows you to make seamless online and offline transactions, with each card coming with a set spending limit. This limit, known as the HDFC credit card limit, is the maximum amount the bank provides as credit.

Every transaction made on the card reduces this limit, and the remaining balance is referred to as the HDFC available credit card limit. When you pay off your credit card dues, the limit is replenished accordingly.

How is the HDFC Bank Credit Card Limit Determined?

The credit limit on an HDFC Bank credit card varies by individual, based on several factors assessed by the bank during the application process:

1. Credit Score: A credit score ranging from 300 to 900, reflects your creditworthiness. A higher credit score suggests reliability and may lead to a higher credit limit, as lenders view individuals with lower scores as riskier borrowers.
2. EMI to NMI Ratio: This ratio compares your monthly loan EMI payments to your net monthly income, ideally falling between 50% and 55%. For example, if your monthly income is Rs. 50,000 and your total EMI is Rs. 15,000, your EMI to NMI ratio is 30%. A lower ratio is more favourable when determining credit limits.
3. Payment History: Your past record of loan repayments and any outstanding debts are closely reviewed. Frequent payment defaults can label you as a high-risk borrower, while timely payments improve your credit profile.
4. Monthly Income: A higher income with fewer debts increases your likelihood of receiving a higher credit card limit, as it indicates better repayment capacity.
5. Employment Stability: Consistent employment without gaps demonstrates financial stability and responsibility, improving your chances for a higher credit limit on your card.

Each of these factors helps the bank determine a suitable credit limit that aligns with your financial profile.

How to Increase Your HDFC Credit Card Limit

You can request an increase in your HDFC credit card limit through both online and offline methods. Here’s a step-by-step guide:

Through HDFC NetBanking

To increase your credit card limit via HDFC NetBanking, follow these steps:

1. Step 1: Log in to your HDFC NetBanking account on the official website.
2. Step 2: Go to the ‘Cards’ section and select ‘Credit Card’ from the drop-down menu.
3. Step 3: Click on ‘Request’ and select ‘Credit Limit Enhancement.’
4. Step 4: Enter your credit card number and fill in the required details.
5. Step 5: Submit the form. The bank will verify your request and contact you for further processing.

Through the HDFC Credit Card Limit Enhancement Form

To request a limit increase online through the enhancement form, follow these steps:

1. Step 1: Visit the official HDFC credit card limit enhancement page.
2. Step 2: Enter your registered mobile number and credit card number.
3. Step 3: Input the OTP received on your phone, choose the desired new limit, and confirm.
4. Step 4: Re-enter the OTP received for final confirmation.
5. Step 5: Upon successful confirmation, you will receive a message confirming the new credit limit.

Through Customer Care

You can also request a limit increase by contacting HDFC Bank’s customer care.

1. Step 1: Call HDFC Bank’s credit card customer care at 1800 202 6161 or 1860 267 6161 (available 24/7, including bank holidays).
2. Step 2: Request to speak to an agent, provide the necessary details, and request a credit limit increase.
3. Step 3: The agent will review your request, and you will receive a notification confirming the new limit after verification and approval by HDFC Bank.

These methods make it easy to increase your HDFC credit card limit, with the flexibility to choose the approach that best suits you.

How to Check Your HDFC Credit Card Limit

Tracking your HDFC credit card limit is essential to manage your spending without impacting your credit history or score. HDFC Bank offers several convenient ways to check your credit card limit. Here’s how:

Checking via HDFC NetBanking

1. Step 1: Log in to your HDFC NetBanking account.
2. Step 2: On the home page, go to the ‘Cards’ tab and select ‘Credit Card.’
3. Step 3: From the drop-down menu, select the credit card for which you want to check the limit.
4. Step 4: Click on ‘View Account Summary’ to see your credit limit and other details.

Checking via HDFC Mobile Banking App

1. Step 1: Open the HDFC mobile banking app and log in.
2. Step 2: Go to the ‘Credit Card’ section and choose the relevant card.
3. Step 3: Your account summary page will display your total and available credit limit.

Checking via Customer Care

1. You can call HDFC’s customer care at 1800 202 6161 or 1860 267 6161 and follow the instructions to check your credit card limit.

Understanding your credit card limit allows you to make informed spending decisions and manage your credit effectively. It can also be helpful if you plan to request a credit limit increase in the future, which could provide access to better rewards and loan offers on favourable terms.

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